SALARY: I make a $48,000 as an assistant apparel technical designer in New York. I did not ask for a raise, but I received one after my yearly review.

SAVINGS: I have $6,000 in my savings account right now.

MONTHLY EXPENSES: I currently live with my parents, so I have no housing expenses. I do not contribute to a 401(k) but I do pay for my health insurance. I pay $10.68 for Netflix, $136 for membership to a gym with a pool, $267 for the train, $90 for the subway and $53 for Adobe Photoshop and Illustrator.

DEBT: I am in debt. I’m paying back my student loans, so I try to pay $400 per month. My monthly amount due is $270.

INVESTING: I signed up for a Schwab account to start investing.

SPENDING VICTORY: The best thing I’ve ever spent money on is a vacation with my best friend.

SPENDING REGRET: I buy lunch way too often, so I need to get better at meal prep.